American Summit Inc. DBA Summit Realtors

Hello  I submitted a complaint on 9/12/15 #[redacted]  it has been resolved  suntrust has refunded all of the fees and  money from each transaction .  34); font-size: 12.8px; font-family: arial, sans-serif;">Thank you [redacted]

SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed authorization was received.
Please close this case on your records.

Dear Ms [redacted]: We received your correspondence regarding the above referenced case. Because you did not include a signed authorization...

form from the client, we are unable to provide you a copy of our response to the client dated March 23, 2016. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust. Sincerely, Kewanna C[redacted] Officer Mortgage Escalations Resolution Team

We responded to [redacted] by letter on May 2, 2014. If
you have any questions about out response, please contact [redacted].

[A default letter is provided here which indicates your acceptance of the business's...

offer.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]
Regards,[redacted]

Dear Ms. [redacted]: We received your correspondence regarding the above referenced case. Because you did not include a signed authorization form from Ms. [redacted], we are unable to...

provide you a copy of our response dated October 13, 2016. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust. Sincerely, Kewanna C[redacted] Officer Mortgage Escalations Resolution Team Enclosures: State and Federal Disclosures STMHB Cc: [redacted]

In May of 2015, I entered SunTrust Bank to open a saving's account. Less than two weeks later, an employee of SunTrust, Armani T B[redacted], texted me on my personal, private line, and asked if I had a few minutes to talk. Thinking that it was bank-related, I said yes. Mr. B[redacted] then called me and explained that his "Family refused to help him anymore," and he "Couldn't go to his friends for help." Mr. B[redacted] then ASKED ME TO LEND HIM MONEY. I filed a complaint with SunTrust and was an email to someone in India. After posting my grievance on social media, I was contacted by a Mr. Mark K[redacted] and assured that the situation would be handled. After two months of hearing nothing, I had to file a federal complaint after which he called again. He informed me that out of respect for the EMPLOYEE'S privacy, he could not tell me what disciplinary action, if any, was taken. Keep in mind that Mr. B[redacted] had my name, address, date of birth, social security number, drivers license number AND account number but SunTrust chose to protect HIS privacy. Beyond the pale to say the least. After receiving nor further communications from SunTrust (the proverbial blowing off), I took my story to the local media. See link: https://www.youtube.com/watch?v=geYJ0QBG2eU and am in the process of scheduling an interview with a National News carrier. As you can see (and much to my surprise), at the end of the news report, the reporter states that at the time of airing, Mr. B[redacted] voicemail stated that he was STILL EMPLOYED AT THE SAME BRANCH. Whether you're a current customer of SunTrust or someone doing research prior to opening an account with them, I offer the following. Buyer beware.

Revdex.com:
I have reviewed the offer...

made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I haven't received any information from Suntrust.  I have also left 2 voicemails for them and haven't gotten any response.  My third partyauth form is[redacted].
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint...

ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
I have not received any response from the company

[redacted]We have received and reviewed your most
recent correspondences forwarded to us from the CFPB and the Revdex.com regarding the SunTrust [redacted] Promotional Offer. We appreciate the opportunity to respond. As stated in our August 11,
2016 letter (copy [redacted]), our...

records show that our branch teammate enrolled
you in the promotional offer on July 11, 2016. However, you are currently in
the United States as a Non-Resident Alien. Unfortunately, the promotion Terms And Conditions (copy [redacted])
state that this offer is only available to U.S. residents with a U.S. address.
For this reason, we regret that you are not eligible to receive the reward.[redacted] if you have any new
information concerning your case, please don’t hesitate to contact us via your
Online Banking Profile or call us at [redacted] Our
representatives will be glad to help you.

Re: Revdex.com complaint# [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed...

third party authorization was received. Please close this case on your records.

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us by the Revdex.com  regarding fees assessed to the above referenced account. We appreciate the
opportunity to respond.
You indicated that you understood that you...

would he refunded a $180 Overdraft Fee that was assessed to your account on October 14,2014. You also stated that the amount refunded was half of that amount ($90 credited on October 15,2014).
Our records reflect that your available balance at the close of business on October 13, 2014 was $807.63. On October 14, 2014 there were two deposits credited for a combined total of $119.50. There were 63 Debit Card transactions totaling $993.71 presented for payment. These transactions were all authorized between
October 8, 2014 and October 13,2014. Six of the above referenced debits were paid against unavailable funds and your account was assessed $36 for each of
the five transactions that were over $5.00, for a total of $180.
Concerning check card transactions, once a debit card transaction is authorized, a hold is placed on the client's account reducing the available balance. Funds on hold for pending debit card debits cannot be used for other purposes even though the transaction has not posted against the account.
The transaction is not posted to the account until the merchant actually presents the transaction for payment to the Bank. Generally, it can take between two to
five business days for debit card transactions to be presented for payment and permanently post to the account. For this reason, clients must maintain accurate account records noting all authorized debit transactions, including pending and credits to determine their available balances.
[redacted], our review indicates the overdraft fees were correctly assessed. However, as you stated you were told that more fees that the initial courtesy refund of $90.00 would be refunded to you, we have refunded an additional $90.00 to your account on October 29,2014. This is to reflect a refund of all of the overdraft fees
assessed on October 14,2014. [redacted], you are a valued client and we hope the above information is helpful to you. If you have any additional questions, please call us at [redacted]. One of our representatives will he glad to assist you. Thank you for banking with SunTrust.
Sincerely,
[redacted]
Officer 
Client Advocacy Team

Dear Ms. [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding fees you incurred when your...

payments sent via our Bill Pay Service were received late by your mortgage company. I appreciated the opportunity to speak with you about your concerns and am glad to respond. When we spoke, you stated that you were made aware of the Bill Pay scheduling requirements for your bill payments to arrive by the due dates. For your review, I have enclosed copies of the Bill Pay Online Services Agreement Terms and Conditions. As a one- time courtesy, we have credited your checking account $95.98 for the late fees that were assessed by [redacted]. This credit will reflect on your next statement. Your comments regarding this matter are very important us and were shared with the appropriate management. We understand that we did not meet your expectations in this situation and regret any inconvenience caused. Ms. [redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch . Our representatives will be glad to help you . Thank you for banking with SunTrust. · Sincerely, [redacted] Assistant Vice President Client Advocacy Team Enclosures

Re : Revdex.com complaint # [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no...

signed third party authorization was received. Please close this case on your records.

Dear
Mr. [redacted]:We have received and reviewed your
correspondence forwarded to us from the Revdex.com regarding SunTrust’s reporting of a
loan account on your credit report. Thank you for bringing this matter to our
attention and providing us the opportunity to respond. We have...

completed a thorough review of
your fraudulent loan claim and have determined that this is a case of Identity Theft.
As such, we have requested that [redacted], and [redacted] remove our
reporting of the account from your credit report. Please allow these agencies
30 days to update their records.SunTrust strives to provide exceptional
service with each and every client interaction, and we understand that we did
not meet these expectations in this situation. I acknowledge that this can be
frustrating and ask that you accept my sincere apology. However, we respectfully
decline your request for any reimbursement.Mr.
[redacted], again, I apologize for the concern and any inconvenience this matter
may have caused. Should you have any questions, please contact our Credit
Bureau Disputes Department at [redacted]. A representative will be glad to
assist you.Sincerely,

Dear Ms. [redacted]: We received your letter regarding the above-referenced case, however you did not include a signed authorization form...

from Ms. [redacted]. Therefore, we are unable to provide you with a copy of our response to Ms. [redacted] dated March 14, 2016. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Ms. [redacted], if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from 8 a.m. to 6 p.m ., ET. Sincerely, Wanda H[redacted] Officer Mortgage Escalations Resolution Team

December 16, 2016 [redacted] 
[redacted] 
[redacted]  11px;">Re: Essential Checking Account ending in [redacted]) Case [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondences forwarded to us from the [redacted] and the Revdex.com regarding the posting order of items and the overdraft fees charged to your above referenced account. I appreciate the opportunity to respond. Our records show that, on November 14, 2016, your balance was [redacted]. One pending item for [redacted] decreased the available balance to [redacted]. Five items were presented for payment on that day and paid, with one [redacted] overdraft item fee assessed. Your end-of-day balance was negative [redacted]. Likewise, on November 16, 2016, your balance was [redacted]. Four pending items totaling [redacted] reduced the available balance to [redacted]. Then 13 items were presented and paid, and one [redacted] overdraft item fee was assessed. Your end-of-day balance was negative [redacted]. For your reference, I have enclosed a copy of your November 2016 statement reflecting these items. Given that there were not enough funds to cover all of the items presented for payment, we have determined that these fees are valid. However, as a courtesy, we refunded a [redacted] fee to your account on December 14, 2016, which is reflected on the enclosed interim statement. Beginning on November 4, 2016, SunTrust changed the order in which transactions post to your deposit accounts. The posting order of your items is in accordance with these changes as explained in our enclosed Personal Deposit Accounts Fee Schedule (see pages 17 and 18). Our fee schedule is provided at account opening and on suntrust.com (see Menu -> Personal Checking Accounts -> Features and Benefits -> Overview Guides and Disclosures -> SunTrust Fee Schedules). In order to decrease the chances of this happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Facts About Banking). You will also find useful information about our overdraft services and how to monitor your account activity when the balance gets too low or becomes overdrawn by setting up email or mobile alerts. You may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfalls. Detailed information about this service is found on our website (see Menu -> Personal Checking Accounts -> Features and Benefits -> Overdraft Services). Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our website. You also expressed concern that a previous complaint regarding this same matter had not been addressed. We understand that you were contacted and the overdraft fees were discussed; however, we regret that the matter was not resolved to your satisfaction at that time. Ms. [redacted], I hope this information is helpful to you. Should you have any additional questions regarding your account, please do not hesitate to contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786.8787). A representative will be glad to assist you. Sincerely, Chris L[redacted] Officer Client Advocacy Management Office

Re: Revdex.com complaint [redacted]We responded to [redacted] complaint by telephone.[redacted] called for the payoff amount in his account. He wasgiven incorrect information regarding the payoff amount and the amount he sentwas wrong.SunTrust accepted he short payoff...

amount and contributed theremainder of the payoff amount due to bank error.We reported the loan paid in fullThe client was glad.

Revdex.com:
I have reviewed the offer made by the business in reference...

to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The information they sent us was fabricated after the fact to appear as though they had sent us the detailed info they're required by law to deliver as soon as they place a hold. I don't wish to fight this any further, nor do I wish this to show in their record as "resolved." They acted in very poor faith and have on no occasion indicated any remorse for their ill behavior. As far as I'm concerned there is little they can do to address this short of actually apologizing & refunding the money we spent on checks that we'll never use, since we don't trust them to handle our money any longer. But since that's unlikely to happen the best thing I can see happening is for this to show as a black mark on their record and for me to get on with my life and business.
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]SunTrust handled my complaint promptly, and I'm satisfied with the resolution.
Regards,[redacted]